How much does it cost to withdraw KSh 200 on M-PESA?

Agent withdrawal of KSh 200 costs KSh 29, including the 20% excise duty. The fee applies to the whole band from KSh 101 to KSh 500.

Is it cheaper to split KSh 200 into smaller transactions?

Yes. Doing it as 2 transactions costs KSh 22 instead of KSh 29, saving KSh 7.

M-PESA · Agent withdrawal

Withdrawing KSh 200 costs KSh 29

That fee covers the whole band from KSh 101 to KSh 500, and already includes the 20% excise duty. Cash out at an M-PESA agent.

Split it and save KSh 7

2 transactions of about KSh 100 cost KSh 22 in total, against KSh 29 for one transaction of KSh 200.

Fees are flat within each band rather than a percentage, so two smaller transactions sometimes cost less than one larger one. Worth it for the saving shown; not worth it for a shilling or two.

KSh 200 on other M-PESA services

Send moneyKSh 7
ATM withdrawalKSh 35

Other amounts — agent withdrawal

KSh 100KSh 11
KSh 500KSh 29
KSh 1,000KSh 29
KSh 1,500KSh 29
KSh 2,000KSh 29
KSh 2,500KSh 29

The fee shown on your M-PESA confirmation screen is the final charge. Safaricom can revise tariffs after notice, and did so for merchant tariffs on 7 August 2026 — if the screen differs from this figure, cancel and check.

Source: Safaricom M-PESA rate calculator · 12 September 2026

All M-PESA charges